Turning 64 hits differently. It isn’t old and it isn’t young — it’s more like standing in a doorway with one hand on the past and one hand feeling around for the light switch of whatever comes next. And honestly the year between 64 and 65 comes with way more practical nonsense than anyone tells you about. It’s not just emotions. It’s paperwork and timelines and figuring out how to land on your feet when the government decides you’re now “officially” a senior. One of the biggest lessons I’ve learned this year is this: as soon as you turn 64, start your applications . If you are on Ontario Works or ODSP like I was, they cut off your benefits the moment you hit 65. You’ll get one final month after your birthday and then that’s it — no money coming in unless all your applications are already in process. And trust me, government drones move slower than winter molasses, so the sooner the better. That means filling out forms for Old Age Security (OAS) , Canada Pension Plan (CPP) and the Gua...